It’s no secret there are a myriad of payment options available for Dynamics 365 Business Central. If you search Microsoft Marketplace, it seems like almost countless options appear. This leaves Business Central users wondering where to turn and which option is truly best for them.

Why Choosing an AR App is So Difficult

Dynamics 365 Business Central out of the box has many capabilities that help accounts receivable teams generate invoices and collect payments. However, most businesses eventually need an additional add-on to streamline the payment and collection process and provide the ability to actually accept payments in an automated way. Business Central out of the box only allows for manual payment application.

When searching for a solution, many products available have overlapping features, but not all created equal. While some may have strengths with certain features like credit card acceptance, they may lack in other areas such as collections automation. Choosing the best add-on or app depends on your workflows, customers, payment volumes, along with your current and anticipated needs.

What Should an Accounts Receivable Solution for Business Central Do?

With so many options on the market, where do you start evaluating an add-on?

Add-Ons Created by Microsoft Partners

As you browse through the Microsoft Marketplace, you will see many add-ons that were created by Microsoft partners. These are typically smaller add-ons that were created for a specific customer and then put on the Marketplace for commercial distribution. They are not frequently updated or supported and lack many key features and functionality because they were built with a specific business in mind.

Add-Ons Created by Software Companies/ISVs

The most robust apps for Business Central are those created by ISVs, or Independent Software Vendors, that operate strictly as software development companies and don’t have a focus on ERP implementation or support. These organizations are solely focused on updating and supporting their products and applications, meaning a better end product for the user.

The caveat here is to be cautious with ISVs where their add-on is meant for multiple different ERP systems, like Sage, Netsuite, Oracle, plus Dynamics. This can bring up the following challenges:

• Requirements to log in to other systems to access data and information
• No real-time data, so information is not ever truly accurate unless a sync has just occurred
• No focus on making updates to the Business Central version of the product
• No additional features or product roadmap available
• Limited support

Core Features

Core features and functionality that an accounts receivable or payment add-on for Dynamics 365 Business Central should have include:

• Automate invoice delivery and payment reminders
• Give customers convenient online payment options, including a customer portal and click to pay links
• Support credit cards, ACH, and other relevant payment methods
• Apply payments and update records in Business Central
• Provide real-time visibility into outstanding invoices
• Reduce manual entry and reconciliation work
• Improve the customer payment experience

 

The Most Important Features to Compare with an AR Add-On

Native Business Central Integration How closely does the app work within Business Central? Does it synchronize information in real time? Does it eliminate duplicate entry? Will users need to switch between multiple systems?	Payment Options   Credit and debit cards ACH or bank transfers Recurring and scheduled payments Multi-currency or international payments Customer payment portals and payment links
Accounts Receivable Automation   Automated invoice delivery Configurable reminder sequences Collections workflows Customer statements Automatic payment matching and application	Security and Compliance   PCI compliance Tokenized payment information Fraud-prevention tools User permissions and audit trails
Ease of Implementation and Use   Installation and configuration requirements Training needs Interface quality Customization options Availability and cost of implementation and ongoing support	Company Longevity and Dedication to the Product   Microsoft Marketplace and G2 Reviews Release cadence and addition of new features Responsiveness to requests Company reputation in the Microsoft ecosystem

 

Common Mistakes to Avoid When Choosing a Payment App for Business Central

Many Business Central users can face challenges because of the payment app they chose. These challenges can be for a variety of reasons, but it’s important to consider your core needs before making a selection.

1. Don’t choose solely based on price.

The lowest price is not always the best option. Frequently the lower priced apps don’t have as many features and lack in automation. The real value of these apps is in time savings thanks to a reduction or elimination of manual processes, along with payments being collected faster.

2. Focusing on payment processing while overlooking AR processes

Processing credit card and ACH payments is pivotal in an app – but don’t overlook the other important features that can help you speed up payments and provide a better employee and customer experience. Those features could include advanced collections management, point of sale options, a customer portal, and others.

3. Assuming an integration is native

While many applications say they integrate with Business Central, it make be through an alternative site or gateway. Make sure that the app you choose is natively embedded into the system if you want your users to have a seamless experience.

4. Not considering fees beyond the monthly subscription that could include fees for implementation, ongoing support, or transactions.

Above all else, make sure to get a quote on credit card transaction fees. Many providers charge a much higher percentage that can add up to thousands of dollars in fees very quickly. Also inquire about rate increases on the software and ongoing support.

5. Not considering the user experience

During the demo, ask to see the full user experience with the product to ensure that it’s easy to navigate.

 

What is the Best AR or Payment App for Business Central?

iPayments from iSolutions

 

The iPayments App from iSolutions is the number one rated AR app for Business Central on Microsoft Marketplace for good reason. iPayments is a full AR suite that includes not only credit card and ACH payments, but advanced collections management, recurring payments, credit card reconciliation, click to pay links, e-commerce, enhanced email actions, a customer portal, point of sale, and more.

 

Native Business Central Integration  iPayments is a native Business Central extension. Payment processing, collections, reconciliation, and related functions appear inside Business Central. It supports both Business Central Essentials and Premium editions. There are no synchronization jobs or middleware. The customer portal reads Business Central data in real time, and completed payments update Business Central immediately. Business Central users access the app and it’s functionality directly within BC. Customers use click to pay links to make payments or can log into a customer portal to view account information and pay invoices.	Payment Options   iPayments includes: Credit card payments ACH/eCheck payments Click to Pay Links Recurring payments Scheduled payment plans Multi-currency payments including the US and Canada Customer portal payments
Accounts Receivable Automation   Automation within the solution saves thousands of hours of manual work each year at the average company. Key automation features include: Automated invoice delivery Configurable reminder sequences in collection plans using due dates, posting date, or document dates. Notices can be sent on pre-determined schedule and messaging can escalate over time. Collections workflows that provide aging views, promises to pay, and more. Automatic application of payments to invoices and accounts.	Security and Compliance   iSolutions is PCI Compliant and provides information and assistance to ensure customers are also PCI compliant. No credit card information is stored in any iSolutions system or in Business Central. Card numbers are replaced with tokens, ensuring protection for the user and organization. Business Central roles and permissions are used to control user access to payment and ar related areas within the system.
Ease of Implementation and Use   Reviews of iPayments on Microsoft Marketplace highlight the ease of use with the solution. During onboarding, new customers attend a series of meetings for sandbox setup and configuration, hands on training, and go live. Additional training is available for advanced collections and any other questions that may come up. After go-live, product support is included at no additional cost. The iSolutions support team is located in North America and has an average response time of less than an hour.	Company Longevity and Dedication to the Product   iSolutions has been operating as an ISV since 2019 and was a Microsoft Dynamics GP partner prior to that date. iSolutions works with all of the leading Microsoft partners and regularly attends Microsoft community events including Summit and DynamicsCon. iSolutions has a 5/5 rating on Microsoft Marketplace with more than 40 reviews, and a 4.8/5 rating on G2. There is a new release of the iPayments app monthly, with new features and functionality consistently being added based on changing market conditions and requests from users.

Over 600+ businesses running Dynamics 365 Business Central use iPayments as of 2026, with that number steadily climbing.

Feeling Confident About Your AR Solution for Business Central

The best AR app is not necessarily the one with the longest list of features or the least expensive one on the market. It’s the one that removes friction, eliminates manual processes, and fits your business – all while providing a great experience for your internal team and customers.

To learn more about how iSolutions can help you streamline your accounts receivable and collections processes, reach out to our team.

 

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